They use a reverse directory thats how they get your phone number...and it certainly is a SCAM.....I contacted TD Visa and they have verified this for me...DO NOT GIVE ANY INFO OVER THE PHONE WHEN YOU GET AN UNSOLICITED CALL......I TOLD THEM I WOULD CHECK WITH TD VISA AND HUNG UP...
AND YOU ALL SHOULD DO THE SAME.......
Just called me and said "Hello (my name)", I hung up immediately because it was creepy that they knew my name and I don't know anyone from that area code.
Got a call from this number claiming to be a friend who was close enough to me to have my phone number in his pocket, but refused to tell me his name, just alluded to being in trouble. His English was fine, and it sounded like it could have been someone I knew, so I kept asking for quite a few minutes, but he refused to ever say who it was, so I looked the number up and got here.
I got a call from this number at 2am, his english was fine and he knew my name, said he really needed to talk to me. I kept asking him who he was, and he kept replying "just think about it". Super creepy and could not sleep for the rest of the night.